Cheap 2009 Chrysler PT Cruiser Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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Trying to find cheaper auto insurance rates for your Chrysler PT Cruiser? Shopping online for auto insurance can be difficult if you are a beginner to online quotes. Don’t let that stop you because there is an easy way to compare rates.

How to Compare Car Insurance Costs

To find the best car insurance prices, there are several ways of comparing price quotes from local car insurance companies. The best way to find competitive 2009 Chrysler PT Cruiser insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

  • The most efficient way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form eliminates the need for a different quote to each individual car insurance company. One form will return price quotes instantly. It’s the fastest way to compare.
  • A different way to analyze rates requires a visit to the website for each individual company and complete a new quote form. For examples sake, we’ll pretend you want to compare rates from Farmers, Allstate and State Farm. You would have to go to every website to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  • The most time-consuming way of comparing rate quotes is driving to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you require the trained guidance only provided by licensed agents. It is possible to price shop online and still use a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but compare apples-to-apples quote information on every quote you get. If each company quotes different deductibles you will not be able to truly determine the lowest rate. Having just a slight variation in limits can mean a large discrepancy in price. Keep in mind that quoting more will enable you to find a lower rate.

Discounts are available to cut your rates

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Most are applied at quote time, but less common discounts must be specifically requested prior to getting the savings.

  • Accident Free – Claim-free drivers can earn big discounts when compared to frequent claim filers.
  • E-sign – A few companies give back up to $50 for buying a policy and signing up over the internet.
  • Safe Drivers – Safe drivers can pay as much as 50% less on PT Cruiser insurance than drivers with accidents.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Distant Student – Children living away from home attending college and don’t have a car may be able to be covered for less.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chrysler can qualify you for better rates on cars that stay parked.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.

Consumers should know that most discount credits are not given to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous. Any qualifying discounts will reduce your overall premium however.

Insurance companies that may have these discounts are:

Double check with each insurance company what discounts are available to you. Discounts might not apply in your area.

Everyone needs different coverages

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I make deliveries for my home business?
  • Is business equipment covered while in my vehicle?
  • Can I afford low physical damage deductibles?
  • Should I rate my 2009 Chrysler PT Cruiser as pleasure use or commute?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverages for a Chrysler PT Cruiser

Knowing the specifics of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with a tree, hitting a parking meter, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chrysler PT Cruiser.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like chiropractic care, EMT expenses and X-ray expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability

This coverage protects you from injuries or damage you cause to other people or property. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as structural damage, attorney fees, funeral expenses, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, rock chips in glass, theft, a tree branch falling on your vehicle and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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